一、定期人壽是什么意思
定(ding)(ding)期(qi)人(ren)(ren)壽(shou)和終身(shen)人(ren)(ren)壽(shou)都是(shi)人(ren)(ren)壽(shou)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian),是(shi)一(yi)種(zhong)以被保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)的(de)生(sheng)命(ming)為保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)標的(de),以被保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)的(de)生(sheng)存(cun)或(huo)死(si)亡(wang)為支付條件的(de)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。定(ding)(ding)期(qi)人(ren)(ren)壽(shou)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)是(shi)指在保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合同約(yue)定(ding)(ding)的(de)期(qi)間內,如果被保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)死(si)亡(wang)或(huo)全殘,則(ze)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司按(an)照約(yue)定(ding)(ding)的(de)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)金額給(gei)付保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)金,若保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)期(qi)限屆滿被保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)健(jian)在,則(ze)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合同自然終止,保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司不再承擔保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)責(ze)任,并且不退(tui)回(hui)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費。
二、終身人壽是什么意思
終(zhong)身(shen)壽險(xian)是指不定期的死亡(wang)保(bao)(bao)(bao)(bao)險(xian)。保(bao)(bao)(bao)(bao)險(xian)合(he)同訂(ding)立后(hou),被保(bao)(bao)(bao)(bao)險(xian)人(ren)無(wu)論(lun)何(he)時死亡(wang),保(bao)(bao)(bao)(bao)險(xian)人(ren)均應給付保(bao)(bao)(bao)(bao)險(xian)金。只要被保(bao)(bao)(bao)(bao)險(xian)人(ren)按期交納(na)保(bao)(bao)(bao)(bao)險(xian)費(fei),保(bao)(bao)(bao)(bao)險(xian)人(ren)無(wu)權拒絕(jue)續保(bao)(bao)(bao)(bao)。按交保(bao)(bao)(bao)(bao)險(xian)費(fei)的方式不同,終(zhong)身(shen)保(bao)(bao)(bao)(bao)險(xian)分(fen)為終(zhong)身(shen)交費(fei)之(zhi)終(zhong)身(shen)保(bao)(bao)(bao)(bao)險(xian),定期交費(fei)之(zhi)終(zhong)身(shen)保(bao)(bao)(bao)(bao)險(xian)和一次(ci)交費(fei)的終(zhong)身(shen)保(bao)(bao)(bao)(bao)險(xian)三(san)種。
三、定期人壽和終身人壽有哪些區別
1、保費不同
定期(qi)人壽是消(xiao)費(fei)(fei)型(xing)的保(bao)險,到了(le)保(bao)險的保(bao)障期(qi)限,如果(guo)被保(bao)險人還(huan)健在的話,保(bao)費(fei)(fei)就消(xiao)費(fei)(fei)掉了(le)不(bu)會(hui)退還(huan),這(zhe)類壽險通常比較(jiao)便宜,不(bu)喜歡(huan)了(le)可(ke)以更換,對(dui)于消(xiao)費(fei)(fei)者來說比較(jiao)靈活。
終身壽險相當(dang)于一份長期(qi)(qi)儲蓄,不(bu)管怎樣,保費(fei)都(dou)會返(fan)還到受益人手上(shang)。保費(fei)自然要(yao)比定(ding)期(qi)(qi)壽險要(yao)一些,而且隨著年齡的增長,保費(fei)也會慢慢變高。在相同(tong)繳費(fei)期(qi)(qi)限(xian)以及相同(tong)保障(zhang)額度情況(kuang)下,終身壽險比定(ding)期(qi)(qi)壽險幾乎(hu)貴十倍。
2、保障期限不同
定期人(ren)壽保(bao)險可保(bao)10年(nian)(nian)(nian)、20年(nian)(nian)(nian)、30年(nian)(nian)(nian)或60年(nian)(nian)(nian)、70年(nian)(nian)(nian)等。如(ru)果(guo)被保(bao)險人(ren)在保(bao)險單(dan)規定的期限內死亡,受益人(ren)可以根據合同(tong)領取保(bao)險金(jin)。如(ru)果(guo)超過此期限,不能獲得(de)理賠。
終身壽(shou)險(xian)是(shi)覆蓋被保險(xian)人(ren)生命的(de)終身保障:對被保險(xian)人(ren)來說,理賠是(shi)一(yi)個(ge)確定的(de)事(shi)件,可(ke)能是(shi)由于(yu)被保險(xian)人(ren)的(de)意外事(shi)故或被保險(xian)人(ren)退保后的(de)現金價值。
3、保障責任不同
定期壽險的(de)(de)(de)(de)健康告知(zhi)、責任免除比終身壽險要寬松(song)一些,保險公司之所以這么做有(you)2方面的(de)(de)(de)(de)原因:一是現(xian)在人們的(de)(de)(de)(de)壽命越來越長,保險公司每年也會推(tui)出(chu)很多(duo)新產品(pin);二是推(tui)出(chu)一些免責條款寬松(song)的(de)(de)(de)(de)產品(pin),購買的(de)(de)(de)(de)人多(duo),賣的(de)(de)(de)(de)火爆有(you)利于保險公司的(de)(de)(de)(de)長期發(fa)展。
終(zhong)身(shen)壽(shou)險(xian)的(de)(de)健康(kang)告知和(he)免責條款都(dou)比定期壽(shou)險(xian)要嚴(yan)格(ge)一些,但與(yu)大(da)病(bing)保險(xian)和(he)醫療保險(xian)相比,還算是(shi)比較寬松的(de)(de)。畢(bi)竟(jing),購買了終(zhong)身(shen)壽(shou)險(xian),出險(xian)之(zhi)后保險(xian)公司一定會(hui)賠付的(de)(de),而且終(zhong)身(shen)壽(shou)險(xian)的(de)(de)覆蓋面更大(da),所(suo)以會(hui)更嚴(yan)格(ge)一些。
4、現金價值不同
現(xian)金價值(zhi)就是保(bao)險公司在(zai)你(ni)退保(bao)時應該給你(ni)的一筆錢,定期(qi)人壽保(bao)險的保(bao)障期(qi)從幾(ji)年到(dao)幾(ji)十(shi)年不等(deng),并且杠桿比率很高(gao),它的現(xian)金價值(zhi)非常低(di),幾(ji)乎可以忽(hu)略不計(ji)。
終(zhong)身(shen)人壽的(de)(de)現(xian)金價值越(yue)長,金額就越(yue)高。被保險(xian)人可以選擇在適當(dang)的(de)(de)時候出(chu)于養老金或其他目的(de)(de)退出(chu)保險(xian)。它還可以給自己一個非常靈活的(de)(de)現(xian)金流,通過政策性貸款來應對各種危機。
四、壽險買定期的還是終身的好
壽(shou)險是家庭責任和愛的(de)(de)體現(xian),購(gou)買壽(shou)險的(de)(de)時(shi)候,很(hen)多朋(peng)友都糾結于壽(shou)險買定期的(de)(de)還是終身的(de)(de),那么哪種人壽(shou)保(bao)險更好呢?
其(qi)實,壽(shou)(shou)險買哪種(zhong),主要看自(zi)己的需求,兩種(zhong)壽(shou)(shou)險有一定(ding)的區別,購買時主要是根據年齡(ling)和經(jing)濟狀況來決定(ding):
1、定期人壽保(bao)(bao)險(xian)對收入較低而保(bao)(bao)險(xian)需求高的(de)人士更適(shi)合(he),能花(hua)少量的(de)錢,獲得更高的(de)保(bao)(bao)障,適(shi)合(he)家庭經濟(ji)(ji)主要來源的(de)經濟(ji)(ji)支柱;剛出來工作,沒有很多收入的(de)年輕人;單親家庭且子女還很小,沒有成人的(de);負(fu)債人群購買(mai)。
2、終身(shen)壽險(xian)對經濟收入穩(wen)定、有(you)遺產規劃需求的(de)人(ren)群(qun)更適(shi)合(he),包括(kuo)到了中年(nian)的(de)家庭富裕型人(ren)士(shi),希望身(shen)故后能(neng)給(gei)家人(ren)留一筆錢;終身(shen)壽險(xian)具有(you)投資(zi)和保障兩(liang)大功能(neng),有(you)穩(wen)定投資(zi)需求的(de)人(ren)群(qun)適(shi)合(he)選。就算保險(xian)期間(jian)急需資(zi)金的(de)話,可通過保單貸款(kuan)的(de)方(fang)式來實(shi)現(xian)資(zi)金的(de)周轉(zhuan)。